How Bankruptcy Works
I have spent countless hours in California bankruptcy courts. I know the regulations, I know the process, and I know the judges. There are some significant differences between filing for Chapter 7, Chapter 11, and Chapter 13 bankruptcy but, in general, here’s what you can expect from the process of filing for bankruptcy:
- The process of bankruptcy is governed by federal rules as well as local bankruptcy court rules.
- The bankruptcy judge assigned to your case will make all legal decisions about your case, including whether you’re eligible to file and whether some or all of your debts can be discharged.
- For Chapters 7, 13, and sometimes for Chapter 11, you’ll be assigned a trustee. This person has various administrative responsibilities depending on the chapter you’re filing and your specific situation; I can help you understand the role that your trustee will play in your case.
- While you will probably need to attend the meeting of creditors, you may not have to appear in court. Sometimes—like when an objection is raised or if a plan confirmation hearing is required—you may need to come to court, but this isn’t common. Again, I’ll be with you every step of the way to guide you through the process.
- When your debts have been discharged, you’ll be free from personal liability from specific debts. From that point on, creditors won’t be able to take any action against you in an effort to collect on those debts.
Filing for bankruptcy can work. I’ve personally seen it help thousands of people just like you. As one of California’s premier bankruptcy lawyers, I pledge to do everything in my power to help you—just like I’ve done for each and every one of my clients. I take this pledge very seriously because I understand that this isn’t just a job, it’s your life. Together, let’s get your financial life back on track.